It took 10 days and a visit with a branch manager to correct the mysterious mistake. In the three years since, Hartman has become an authority on how to complain when a bank does something wrong.Lots of things can go wrong: A bank can lose a deposit, credit you with the wrong amount for a deposit, count one ATM withdrawal twice, accidentally add an extra 0 so that your $100 check turns into a $1,000 debit, transfer money to or from the wrong account, charge you fees that you shouldnt have to pay, fail to use the overdraft protection that you signed up for, or mess up so spectacularly that you end up scratching your head in puzzlement, which is what happened with Hartman.Through his own experiences and the ordeals of others, Hartman has earned guerrilla expertise in complaining to banks. He objects about even minor goofs the sorts of errors that lessassertive people dont take the time and effort to fix. And his slowburning anger about the overdraft led him to create and maintain an antiWells Fargo Web site. He says hundreds of site visitors have emailed him to share their experiences.Mark Hartman was sure that his bank would recognize immediately the $21,000 overdraft on his checking account as a mistake. A strangers check from another bank had been drawn incorrectly from Hartmans account at Wells Fargo. A computer glitch. Certainly the slipup would be fixed with a quick phone call.

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